Cancelled car insurance

beatthebookienet

My partner recently had her car insurance cancelled for failing to declare that her daughter had a minor accident/claim in her own car.

Her daughters policy either has my partner as the main driver (fronting) or a named driver, she was added by her daughter either without her permission or years ago and she has just kept her insurance this way. But they are not on speaking terms and her daughter lives in another city.

Is there anything she can do to appeal the cancellation or at least not have it on her insurance record for life?

400ixl

Confused, are you saying she has had her own policy which does not have her daughter as a named driver cancelled?

The only way I can see that happening is if the daughter is running a policy in her mothers name and the accident was registered in the mothers name, not the daughters.

If the daughter is not on the policy that was cancelled then her history of claims makes no difference.

Sounds like more than just a case of fronting, claims fraud as well. 

It could well be the only way to sort it for your partner is to report her daughter for insurance fraud unfortunately. But please do give more detail so the position is really clear.

Aretnap

I'm also struggling to understand what has happened.

Do you mean that the mother's policy has been cancelled because she had her daughter as a named driver and didn't declare her accident? Perhaps she'd left the daughter on her policy despite the fact that they were estranged, and she was no longer in a position to ask about her accident history? 

Or did the daughter fraudulently take out a policy in the mother's name - naming the mother as policyholder, not just as the main driver? (Policyholder and main driver are two completely different things) 

Because the only way your partner should be affected is is a policy that she (supposedly) took out in her own name has been cancelled. If her daughter's policy has been cancelled for non-disclosure that's a problem for her daughter - it should not affect the mother, even if she was named as an additional (or even main) driver on that policy.

born_again

Does she not check policy details each year?

Slinky

Sounds as though the mother doesn't know why she is on her estranged daughter's policy, and that the daughter has had an accident that has bitten the mother on the backside for not declaring a claim on a policy she knew nothing about.

Aretnap

Slinky said:

Sounds as though the mother doesn't know why she is on her estranged daughter's policy, and that the daughter has had an accident that has bitten the mother on the backside for not declaring a claim on a policy she knew nothing about.

What has it hasn't been declared on the daughter's policy is not the mother's responsibility or the mother's problem, unless there's significantly more to the situation than has been spelled out so far.

400ixl

Slinky said:

Sounds as though the mother doesn't know why she is on her estranged daughter's policy, and that the daughter has had an accident that has bitten the mother on the backside for not declaring a claim on a policy she knew nothing about.

Would make no difference if the daughter is not on the partners insurance.

sheramber

Has the claim
on the daughter’s policy been made in the mother’s name?

TELLIT01

Your partner needs to contact her insurer to find out what's happened, assuming she doesn't still have her daughter on her own policy as a named driver.  If the daughter is still on there I'm not sure there is much your partner can do.

beatthebookienet

My partner was the policy holder both for her own car and for her daughters car insurance but the daughter paid her own direct debits.

The daughter had an accident in her own car. My partners insurance found this out and cancelled my partners own car insurance for not declaring the claim.

I'm not sure if this can be appealed or she now needs to declare that she has had car insurance cancelled for life